Stanley is notified by an Angel that his soul is being repossessed for failure to say the prayers he promised after a narrow escape from death. He received a first.
Table of contents
The Life and Times of Michael A. Through the Medicine Cabinet. How to Kill a Rock Star. Too Close to Miss. By the Grace of God. The Crown Ain't Worth Much. From Foreclosure Home to Forever Home. Ghosts of the Motor City. Tom Sawyer In Hell. Tough As They Come. Death and the Detective. The Cost of Doing Business. The House on Childress Street.
Unspoken Words, Unanswered Questions. Audition Arsenal for Men in their 30's: Tec, A Short Story. Not a Bad Ride. She Arrived Without A Song: Naked Ladies, Space Aliens, and Rattlesnakes. The Lonely Life of a Federal Marshall. A Child is Missing. An Emerson James Novel. True Gangsters Don't Fold. Inside the Stockade a Cautionary Tale. Nation of Savages 7. How to Make Crime Pay.
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The Ethics of Murder. First Floor on Fire. Disintegration of the Mind. Subterranean Emerald City Blues. You Are The Ghetto. Kiss Your Mother Goodbye. Out in the Woods. An Indianapolis Smithe Adventure. A Master of Persuasion. Mistress Pleasing In the Wizards Contest. The One Percent Solution. Tales of Roger, a Humandroid. The Curse of Hairy Palms. The Curse of Sticky Fingers. Like Mother, Like Daughter. The Drackenmire Ghouls' Treasure Trickery.
Mockingbird In the Municipal Garage. Lewis slipped on a pair of work gloves. The BMW had all-wheel drive. All four wheels needed to be off the ground. The tow truck swung its lift under the rear tires of the backed-in BMW.
Repo demon
Lewis and the tow driver jumped out to assemble a metal dolly to raise the front tires. Lewis scanned the lot. A woman walked toward them. He watched with relief as she climbed into a different car. Although there are no national auto repossession statistics, other measures point to a growing problem. Affordability is one factor. Auto loans now carry higher balances and longer terms, stretching out the timeline for trouble to appear.
Analysts point to a period from to , when auto lenders got too loose with credit. That helped the United States sell a record number of automobiles in But it also pushed the delinquency rate higher. The rate of auto loan write-offs — which includes repos — is trending higher but remains below its peak, according to Equifax numbers. One national list of active automobile repossession orders reached , this year, more than double what it was at the same time last year.
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Lewis believed the industry followed a pulse. April was always slow because people made car payments with tax refunds. But repos soared on bad news, such as the loss of 1, autoworker jobs in Lordstown, Ohio, announced this year. Lewis recently heard that a nuclear power plant near Cleveland might shutter. His own industry has seen changes, too.
Lenders have pushed agents to take certification courses. Last year, Relentless switched its workers from contractors to employees in an effort to change the culture and its incentives. The camera systems have made agents more productive but also opened them up to new challenges. Repo agents are responsible for the majority of the billions of license plate scans produced nationwide. Most of that data is owned by Digital Recognition Network DRN , a Fort Worth company that is the largest provider of license-plate-recognition systems. Immigration and Customs Enforcement.
Both companies declined to respond to questions about their operations. The potential misuse of the plate data has drawn criticism from privacy groups. A federal court in Nevada ruled in January that the scans do not amount to unwarranted surveillance because they are essentially snapshots taken in public. Still, officials in Alameda, Calif.
For repo companies, one worry is whether they are producing information that others are monetizing. Now it was after midnight and Lewis was back at work, trying to rouse himself with Red Bull.
This time he drove a tow truck. And he had his eye on a potential repo: The order was only a few hours old.
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But Lewis had a plate scan for the Chevy taken five days earlier, at 8: Lewis loved being back in a hulking Ford F But he realized the change was better for business. He pulled up to a quiet garden-style apartment complex. Darkened apartment windows lined the parking lot. Lewis backed up the truck and guided the lift. He jumped out with a flashlight and verified it was the right car.
He got back in, lifted the vehicle higher and pulled away. A real hook and roll. Safely out of sight, he pulled over to inspect the vehicle. He knew that a mother was probably going to walk outside in the morning and realize her car was gone.
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- My Wife, My Slave - Book 3.
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She might call the police to report it stolen. But she had to have known this moment was coming after a flurry of lender late notices and phone calls. What do you do against the inevitable? He has four children of his own. But this was his job. The surprising return of the repo man. Derek Lewis backs a car equipped with license-plate-recognition cameras out of the garage at Relentless Recovery in Cleveland before going out to scan for cars that need to be repossessed last month.